Zero Fraud Liability
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|Purchase APR||Annual Fees|
Please see †Important Disclosures for interest rate, fee, and other information. All terms may be subject to change.
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||15.48%|
|APR for Balance Transfers||15.48%|
|APR for Cash Advances||15.48%*|
*An interest charge will be assessed on cash advances from the date of the cash advance, or the first billing cycle in which the cash advance is posted, whichever is later, and will continue to accrue until payment in full is made.
|Paying Interest||Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore|
|• LATE FEE||If a payment is 11 days or more late, a fee of 5.00% of the regularly scheduled payment or $5.00, whichever is greater up to $35.00 will be assessed.|
|• RETURNED CHECK FEE||Returned check fee $30.00|
|• ISA FEES||A Visa International Service Assessment (ISA) Fee will be assessed on all transactions where the merchant country differs from the country of the card issuer and will be shown separately from the transaction amount on your billing statement. A 1% fee will be assessed on international transactions when a currency conversion occurs and 1% when a currency conversion is not performed.|
How will we calculate your balance?: We use a method called "average daily balance (including new transactions)."
Billing Rights: Refer to attachment to account agreement.